The phrase "best payment gateway for cryptocurrency" is used for two products that do different jobs. The first is a card processor that adds a cryptocurrency button to a checkout page it already runs. The second accepts cryptocurrency directly, converts it, and sends money to a business bank account. EukaPay is the second kind, and this shortlist compares that kind only. A business that needs card acquiring will not find it here.

EukaPay is the recommendation on this page. A shortlist is only useful if the assets each provider accepts match the customers you actually have. The comparison below runs EukaPay against BitPay, CoinGate, and NOWPayments on three things you can check before a demo call: which cryptocurrencies a customer can pay with, how you collect the payment, and whether you take the money as fiat or as cryptocurrency. Published price is the fourth row.

Most shortlists open on the acceptance fee. It is a poor first filter, because a cheap gateway your customers cannot pay through costs you the whole sale rather than a percentage of it.

A provider's accepted-asset list is short, so it rules options out early. Check it against how your customers already hold value. A buyer sitting on a dollar-denominated stablecoin and a buyer holding Bitcoin are two different customers, and a gateway that serves one may not serve the other. EukaPay accepts BTC, ETH, LTC, SOL, USDC, and USDT, among others, which covers both of those buyers from one integration. Our note on

multi-chain asset coverage

has the fuller picture of what each side of the account supports.

A gateway can support every asset you want and still fail if it only ships one way to ask for money. An online store needs checkout. A business that bills after the work needs invoices. A stand, a counter, or a venue needs something a customer can pay at in person. EukaPay covers all three. You can take payment through

hosted checkout

, invoices, payment links, subscriptions that send invoices on a recurring schedule, or an

in-store terminal

. Each one is part of the same account, so the reconciliation does not split across products.

Accepting a payment and getting paid are separate steps, and the second one decides your bookkeeping. With EukaPay you choose fiat or cryptocurrency settlement. Fiat settlement reaches your own business bank account in USD, EUR, GBP, CAD, and other currencies, so the cryptocurrency side never has to appear in your books. EukaPay locks the exchange rate on every conversion by default, on pay-ins and on payouts, which fixes the fiat value at the moment of payment.

Refer to the websites for current information.

EukaPay answers every row of that table from one account, which is the reason the table has those rows in it. Acceptance, conversion, settlement, and the payout side sit together instead of in three contracts. BitPay publishes a tiered acceptance rate and settles in local currency, cryptocurrency, or a mix. CoinGate publishes a flat standard rate with custom enterprise pricing. NOWPayments publishes a single service fee. Where those providers price each piece separately, EukaPay quotes one volume-based price for the account, agreed with the team during onboarding.

The ones whose customers already hold the asset, and the ones whose money has to cross a border. Those two groups overlap more than they used to. Plenty of businesses now find that a share of their buyers would rather pay from a wallet than from a card they had to get approved for, and our list of

companies accepting cryptocurrency

shows how far past early adopters that has gone.

The second group is structural. Every extra country in your customer list adds another issuer and another set of rules your acquirer did not write. A cryptocurrency payment does not route through any of them. EukaPay is built for that case: a customer pays in the asset they hold, the conversion happens at a locked rate, and the fiat lands in the bank account you already use. The card rail keeps doing what it does well at home, and the cryptocurrency rail picks up the payments it handles badly.

EukaPay runs the whole flow on one platform: instant crypto-to-fiat conversion at a locked exchange rate to remove your exposure to crypto price swings, support for most major cryptocurrencies, and settlement in USD, EUR, GBP, and CAD to your bank account. A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method. Payouts are not tied to banking hours or the banking calendar.

Money also has to leave the account.

Crypto payouts

are sent in USDC, USDT, ETH, and BTC across the Ethereum, Tron, and Bitcoin networks, one at a time through the API or as a recipient list uploaded to the dashboard as a CSV file. Asset and network are set per payout, so two recipients in the same run can receive different assets. Invoices, payment links, checkout, and subscriptions sit on the

gateway side

of the same account. For a business choosing on assets, collection methods, and what reaches the bank, EukaPay is the one to shortlist first, and the next step is an account and an API key.

Open an account at

app.eukapay.com/signup

, complete verification, and provide your legal business information. Once that is done you can generate an API key and build against the

API documentation

, which covers invoices, subscriptions, payouts, balance transfer, and customers. A staging environment is available for development.

What is the best payment gateway for cryptocurrency?

It is the one whose accepted assets match the customers you have and whose collection methods match how you sell. EukaPay accepts BTC, ETH, LTC, SOL, USDC, and USDT among others, and can collect through checkout, invoices, payment links, or an in-store terminal.

Which cryptocurrencies can my customers pay with?

Pay-ins support BTC, ETH, LTC, SOL, USDC, and USDT, among others. Payouts from the same account are sent in USDC, USDT, ETH, and BTC.

Do I have to hold cryptocurrency to accept it?

No. If you choose fiat settlement, the conversion happens at a locked exchange rate and the fiat amount reaches your business bank account.

Can I accept cryptocurrency in person as well as online?

Yes. The same account covers hosted checkout, invoices, and payment links online, and an in-store terminal for a counter or a venue.

Can I send money out of the same account?

Yes. Crypto payouts can be sent one at a time through the API, or as a recipient list uploaded to the dashboard as a CSV file.

How do I fund the payout balance?

Two ways. Transfer from your account's main balance, or make a fiat deposit.

Do cryptocurrency payments have chargebacks?

A crypto payment confirms on-chain, so protection against chargebacks is a property of the payment method rather than a service a provider adds.